Hundreds pack Gallo for economic lectures - Modesto Bee

How worried are you?

Are you worried about your job?

Are you worried about your employer?

Are you worried about your bank?

Are you worried about your 401(k)?

Are you worried about your real estate's value?

That was how Jason Gordo of Valley Wealth Inc., a Modesto financial planning firm, started his presentation at two free lectures held last week about "The Economy: This Time It Is Different."

Gordo didn't have to wait for the crowd's reaction to each question to gauge how worried people are. That was evident by the more than 700 people who came out on a rainy Thursday night to hear the lectures.

People packed the two sessions held at the Gallo Center for the Arts in downtown Modesto organized by Gordo and partner Jeff Burrow. They were joined by Michael Zagaris, president and chief executive officer of PMZ Real Estate; Stephen Mort, CEO of Don's Mobile Glass; and Brian Hogan, a regional president of U.S. Bank.

What people were hoping to get from these speakers were answers. Here are just a few of the key points they made:

Zillow Publishes Q4 Real Estate Market Report, Ouch

image Zillow recently published its Q4 2008 Real Estate Market Reports which shows that American homeowners collectively saw $3.3 trillion erased from the value of their real estate in 2008.  Those type of numbers aren’t good for anyone let alone the reverse mortgage industry. 

Below are some other highlights from the report.

More than one-third (34.6 percent) of homes sold in 2008 were sold for a loss, up from 30.2 percent for the twelve months ending Q3 2008. While the $3.3 trillion in loss home value in 2008 can be considered akin to an unrealized loss in the stock market (i.e., people who don’t sell can wait for market values to rise again before selling, thus minimizing their particular loss), the loss for these one-third of homeowners is all too real. One in six (17.6 percent) of all homeowners is now underwater, more than the one in five who were underwater in Q3. The Modesto and Vallejo, Calif., markets have the worst negative equity, with more than 80 percent of all homeowners there underwater. The higher rates of negative equity and increasing economic insecurity are combining to push foreclosure rates higher. One in five (19.9 percent) of all real estate transactions across the country in 2008 was a foreclosure. This was an increase from Q3, when 18.6 percent of all transactions were foreclosures. Unfortunately, the foreclosure numbers don’t even tell the whole story of the numbers of homeowners having to give up their homes, as 10.9 percent of all transactions in the United States in 2008 were short sales, or homes sales where the lender agreed to a home price less than the amount owed on the mortgage in order to avoid the cost and...

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Real Estate Law/Mortgage Attorney Bad Home Loans!!!?

I was given a very bad loan with a reputable bank "Wells Fargo" that is. They NEVER gave me Disclosures Good Faith,TIL Borrowers Authorization etc! They sold my loan to EMC and they changed my Interest rate from a FIXED rate when i signed my loan docs to an ADJUSTABLE rate of a 10% on my FIRST and a 12% ADJUSTABLE on my second WITHOUT even telling me!

I am pretty sure i have aREALLY good case! That is what EVERYONE is telling me! I was workingfor a company Prudential Real Estate when the wells fargo "Lender" that worked with me he had his own branch in my office told me i could get a home loan even though i was making COMMISSION only and probably only $1,000 a month. My Mortgage is $2,200 a month for a very small condo here in Modesto that was built in 1980 and is only worth $200k and they sold it to me for $235K. What i am upset about is what they told me and not disclosing ANYTHING to me i have ALL of my documents and no good faith etc was given to me and my Interest rate changed 3 points when they sol my loan to EMC. The Lender from Wells Fargo told me to write a letter saying i made $4,000 a month doing Notaries a month and that would get me the home loan! Well it Did and with a Hefty Price and a Mortgage I cannot afford and nobody will refinance me because i had to file bankruptcy because i could not afford the payments anymore at 27 years old on my own and only making $2k a month, and a Mortgage of $2,200 a month which is more than i make not including money i need to eat!!!!!


Please call me ASAP and i will explain in detail. I am afraid i will lose my home and i am frustrated because i keep getting the wrong answers from my NEW lender and my interest rate changed without my consent! I can be reached at 209-380-1004.

Thank You!!!!


Sincerely,
Krissy Sutton
209-380-1004


Are you saying that you participated in a fraud in order to get what you wanted, and now you want someone else to pay for it?







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